Guaranteed Rates for the Full Term

Fixed Rate Certificate

Term Rate APY
3 Month 0.050% 0.05%
6 Month 0.050% 0.05%
12 Month 0.100% 0.10%
24 Month Step-Up 0.100% 0.10%
24 Month 0.250% 0.25%
36 Month 0.499% 0.50%
48 Month 0.747% 0.75%
60 Month 0.995% 1.00%

Effective Date: November 15, 2012


Variable Rate

Early Saver Certificate

Term Rate APY
12 Month - over $20,000 0.250% 0.25%
12 Month - up to $20,000 1.243% 1.25%

Step Up to Increase Your Rate

Step-Up Certificates allow members to take advantage of interest rate growth with the opportunity to increase their rate once during the certificate term.

Here’s how it works:

  • The Step-Up Certificate is available in a 24-month term, with an initial rate lower than that of the UFCU traditional 24-month certificate
  • If the UFCU traditional 24-month certificate rate rises at any time during the term, the step-up option may be activated to increase to that rate
  • The step-up option may only be used once during the 24-month term
  • A deposit of any amount may be added at the time of the rate increase
  • Step-Up Certificates cannot be used as security for a loan

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Amplify Your Allowance

UFCU’s flexible Early Saver Certificates help make savvy savers of young members, age 17 and under.

  • Must have a Kidz or Teen Savings account
  • Only one Early Saver certificate per social security number
  • Minimum opening deposit of $100
  • 12-month term with variable tiered rates [a.1.f Rates & Fees]
  • Dividends calculated by daily balance method, compounded and paid monthly
  • Additional deposits of any amount can be made at any time
  • Auto-renewable
  • A penalty may be imposed for withdrawals before maturity
  • Step-Up Certificates cannot be used as security for a loan

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APY = Annual Percent Yield

* Dividends are calculated by the daily balance method, are based on UFCU's earnings at the end of a dividend period and cannot be guaranteed.

How much will you earn?

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This information is provided for illustrative purposes only. Rates are subject to change, and terms may vary based on your individual circumstances.


Saving for retirement?